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Andriani

IAIN KEDIRI

Author-ID : 4402114

Economics, Econometrics & Finance

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Peranan Pembiayaan Murabahah dalam Meningkatkan Pendapatan Usaha Eka Putra Nuzuri; Andriani
WADIAH Vol. 2 No. 1 (2018): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Murabahah financing is the most popular in the BMT Lantasir Pesantren Kediri. It is using aqad wakalah that give solving or helping to customer whose want to have goods. Aqad wakalah means that authorization spilled by one party to another party on the representative aspects. Beside of customers has money financing propose, also could to propose goods financing. The most customers of murabahah financing in BMT Lantasir are retailers. So, they can choose murabahah financing to get modals or adding goods stock in their business for increasing and reaching return.The research is use to qualitative approach with cases study that gets data by fact related to theme research, and will be depth analization. The respondens are manajer, common (pembantu umum), customer service, account officer and customers. For collecting data’s process are interview, observation and documentation. While analysis’s process are data reduction, data explanation and making conclusion.The result showing that murabahah financing has a role to change customer’s income. The role of murabahah financing seems on the increasing customer’s income table. It shows that customer’s income are increase by 30%, 50% and 70%. Moreover, there is a customer who has settled job and has corn farm is get return on harvest season. Based on analysis is murabahah financing has the most important role to fulfill customers needed such as money and goods, also to increase income customers changing.

FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK SYARIAH DI INDONESIA Yurike Sofiana Askurun; Andriani
WADIAH Vol. 5 No. 1 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Profitability is the most appropriate indicator to measure the performanceof a company. The company's ability to generate profits to measure thelevel of performance of a company. The higher the company's profitability,the better the company's performance. The purpose of this study was todetermine the effect of Financing Deposit Ratio (FDR), OEOI, CapitalAdequacy Ratio (CAR), and Non Performing Financing (NPF) onprofitability (ROA) of Islamic bank financial statements published byIndonesian banks. in the period 2008-2012.This study aims to analyze the effect of the FDR ratio, operationalefficiency (ROA), CAR, and NPF on profitability (ROA) in Islamic banks onpublished finances. Bank Indonesia, while the research sample wasdetermined by purposive sampling method in order to obtain 41 samplesfrom 11 banking companies during the observation period (2009-2012).The type of data used is secondary data obtained from Islamic bankfinancial statements at PT www.bi.go.id.The analytical method used is multiple regression analysis. The results ofthis study indicate that FDR has no significant effect on Indonesian Islamicbanks, BOPO has a significant effect on ROA in Islamic banks inIndonesia, CAR does not have a significant effect on Islamic banks inIndonesia, NPF has no significant effect on Indonesian Islamic banks.

PENGARUH PROMOSI TERHADAP KEPUTUSAN PENGGUNAAN OVO (Studi Pada Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Kediri Angkatan 2016) Andriani; Indra Nuraini
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 1 (2021): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v5i1.15

Experience in payments that are increasingly sophisticated in this era has become a trend in transacting when shopping for goods, paying a service or just paying monthly bills. The choice of payment method makes it easier for us to transact every day. One of them is electronic money. No exception with electronic money service from PT. Visionet International (OVO), they have a strategy in marketing their superior products services including promotions, which is an activity in attracting consumers to use the company's goods or services through the advantages of a product goods or services offered. Where promotions conducted by electronic money service companies (OVO) have an influence on the decision to use their services. This research uses methods with a field research approach. with descriptive quantitative analysis, simple regression analysis, coefficient of determination in interpreting existing phenomena. The results explain that promotion and usage decisions in the category are very good. Pearson's correlation analysis found a score of 0.661. This indicates that the promotional relationship with the purchase decision has a moderate regression relationship. From the results of the regression analysis obtained equation Y = 212.847 + 0.772X; if interpreted has the following meaning in the variable Decision Of Use (Y) will be worth 212,847 if there are no other variables that affect. If there is a Promotion variable (X) intervention, the Usage Decision (Y) variable will increase by 0.772 basis points in each increment. Based on the analysis of determinant coefficients, the value of R-square = 0.4367 (43.67%), which indicates that the Usage Decision (Y) variable in the regression model is capable of being influenced by the Promotion variable (X) of 43.67%, and the remaining 53.33% is influenced by other factors outside the regression model.

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